You have done a very good reviews about CBDC fiat currency, it is the fastest and the most reliable went it come this electronic money,
Most at time business are very slow because of the fact bank transaction are also very and usually with high charges but with electronic, it also fast with less charges
But one of the effects is economy instabilities most especially to system where this system has just been fully introduce with that fact that they are already use to cash or physical coin wich make business transaction very slow